Ground Up Construction Loans in Fayette County, Georgia
Financing designed specifically for real estate investors, builders, and developers who need fast capital and flexible draw schedules for ground-up projects.
Why Investors Choose Us (Fayette County)
We finance what banks avoid.
- Benefit Our Construction Loan Banks
- Approval Speed Same Day Terms 30–90+ Days
- Funding Timeline 7–15 Business Days Months
- Underwriting Asset + Project Based Full Income / Debt Review
- Eligible Projects Land + Ground Up Mostly Existing Assets
- Draw Release 24–72 Hours Slow / Committee Review
What We Need to Approve Your Project
- Signed construction budget / scope of work
- GC license and insurance
- Basic entity docs (LLC preferred)
- Exit plan (sell or refi to DSCR rental loan)
- We underwrite the project, not your personal income.
Property Types Eligible
- Single-family new construction
- Build-to-rent (BTR) homes or small communities
- Townhome developments
- Small multifamily (2–24 units)
- Light commercial / mixed-use (case-by-case)
- Infill lots and subdivided parcels
Program Overview
Our construction loan program provides $400,000 to $25,000,000+ in funding for land acquisition and ground-up builds, offering up to 85% Loan-to-Cost and up to 75% ARV with 12–24 month interest-only terms. Draws are released in 24–72 hours after inspection or photo verification, and no tax returns or W-2s are required. We also welcome first-time builders as long as they partner with a licensed general contractor, making this program both flexible and builder-friendly.
Our 4-Step Process to Funding Your Loans
Deal Submission
Address or parcel ID Plans or conceptual specs
Term Sheet Issued
We present options based on LTC / ARV / Exit Strategy.
Underwriting & Closing
First draw available upon closing Remaining draws released based on verified progress
Construction & Draws
Submit Your Deal Scenario
Benefits vs Traditional Banks
Fast decision & funding (days to weeks)
Ideal for distressed or non-traditional properties
Rehab / construction draws available
Flexible underwriting focused on deal merits
Less emphasis on personal income & credit score
Our Experience in Georgia & Fayette County
Atlanta Fix & Flip Loans has funded over 1,000 real-estate investment projects across Georgia from Atlanta to Savannah, Macon to Athens giving us deep knowledge of permit timelines, contractor networks and exit strategies in this market (Authority & Experience). In Fayette County, we know the local zoning board, infrastructure demands, common renovation challenges and investor-heavy ZIP codes.
FAQs
Yes — as long as the land is entitled or nearing entitlement.
No. Draws can be released with photo verification.
No. This is an asset-based loan.
Ready to Fund Your Project in Fayette County?
Don’t wait for banks to slow you down. Choose a local Georgia private lender that knows Fayette County and investor markets inside out.